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Mox Bank Limited is one of the first virtual banks launched in Hong Kong in Sep 2020.

Regulated under the Hong Kong Monetary Authority and given limited time, no new financial product could be created before the bank launch. Therefore, the new feature could only be derived from existing banking services already approved.

Business Objectives

To overcome the disadvantage of lower interest rate, Mox has to win customers over by shaping user ****habit and boost engagement rate. Even better, to turn savings which is an interest expense to the bank, into spending which will earn interchange income.


Roles & Responsibilities

I led Onboarding, Savings, Payments and Investment initiatives in the bank.

In this project, I mainly worked with the Head of Accounts & Deposits, Product Owners, Product Delivery (Project Manager), 2 Front-end Developers with the support from Visual Designer, Motion Designer and UX Writer.

For stage 2 of the project, I also involved the Card squad to map out the user journey of turning Goal savings account into the Mox Card debit spending account.


Research & Discovery